Can you file a car insurance claim for a dent if you only have liability coverage?

I was walking back to my car after work when I noticed a massive dent in my car. I take really good care of my car, and I want to get it repaired if possible. I could pay out of pocket for this if necessary, but I didn't do this damage and I don't want to pay for it unless I have to. However, I'm not sure my insurance will cover it—is there any way can I file a claim for this damage if I only have liability coverage?

Answer
“Hit-and-runs can be really frustrating, and I am so sorry this happened. Unfortunately, your liability coverage likely won’t cover your repairs in this case—but there are a couple other options that might.
If you have uninsured motorist property damage, some policies cover hit-and-run accidents, which will keep you from paying entirely out of pocket.
In most cases though, comprehensive coverage is what you’ll need to take care of the dent—and in either case, you would need to file a police report to get the claim started.
In the future, you might want to consider adding comprehensive coverage to your policy. One easy way to make sure you get the best price is to download the Jerry app to compare quotes on coverage to find the best rate for your needs. If you pick a plan you like, we’ll help you switch, too!
Best of luck with the repairs—hopefully your bank account doesn’t take too much of a hit!”
Eric Schad
Answered on Oct 01, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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